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American Coastal Insurance Corporation (ACIC)

Financial Services | Insurance - Property & Casualty | Saint Petersburg, United States | NasdaqCM
11.11 USD -0.06 (-0.537%) ⇩ (July 14, 2026, 9:40 a.m. EDT)

Short-term:★★★⯪☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take | July 11, 2026, 6:44 a.m. EDT

The immediate outlook looks deceptively bright due to aggressive call buying targeting prices well above the current level, yet this optimism lacks a safety net as put buyers are virtually absent. This asymmetric positioning suggests a speculative bet on a recovery rather than a defensive stance. Fundamentally, the company presents a classic value trap: while the stock trades at an attractive multiple relative to earnings and book value, the business is shrinking. Revenue is contracting, free cash flow is negative, and the company is burning capital despite announcing share buybacks. The recent price action shows a fragile bounce off lows, but the underlying economic engine is sputtering. The dividend is unreliable and likely unsustainable given the negative cash flow, making it a poor income vehicle. Investors should view the current price as a speculative entry based on potential turnaround hopes rather than a confirmed investment in a healthy business.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.083105
AutoETS0.083945
MSTL0.086638
AutoARIMA0.088083

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 49%
H-stat 0.51
Ljung-Box p 0.000
Jarque-Bera p 0.518
Excess Kurtosis -0.25
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-01-01
Last Dividend Date 2026-01-01
Debt to Equity Ratio 45.979
Revenue per Share 6.885
Market Cap 538,435,584
Trailing P/E 5.19
Forward P/E 10.95
Beta -0.52
Profit Margins 31.32%
Previous Name United Insurance Holdings Corp.
Website https://www.amcoastal.com

As of July 11, 2026, 6:44 a.m. EDT: Speculators are positioning for a moderate upside move over the next few months, evidenced by heavy open interest in out-of-the-money calls for August and November expirations compared to negligible put volume. However, there is a distinct lack of protective put buying, suggesting traders are betting on a rally without hedging against a crash. Implied volatility is elevated for near-term strikes, indicating uncertainty, while longer-dated calls show significant positioning at strikes far above the current price.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
6.59% 6.59% 3.51% 3.02%
Dividend History
Date Dividend Yield %
2026-01-02 0.75 6.590510
2025-01-02 0.50 3.927730
2022-03-08 0.06 1.744186
2021-11-19 0.06 1.301518
2021-08-09 0.06 1.515152
2021-05-14 0.06 1.030928
2021-03-01 0.06 0.853485
2020-11-20 0.06 1.290323
2020-08-10 0.06 0.641026
2020-05-18 0.06 0.729040
2020-03-03 0.06 0.611621
2019-11-18 0.06 0.465477
2019-08-13 0.06 0.524934
2019-05-13 0.06 0.418410
2019-03-05 0.06 0.374298
2018-11-19 0.06 0.313480
2018-08-10 0.06 0.288046
2018-05-21 0.06 0.284360
2018-03-06 0.06 0.312826
2017-11-21 0.06 0.374065
2017-08-17 0.06 0.372439
2017-05-19 0.06 0.374298
2017-03-06 0.06 0.361228
2016-11-21 0.06 0.455927
2016-08-19 0.06 0.381922
2016-05-17 0.06 0.345821
2016-03-02 0.05 0.253550
2015-11-18 0.05 0.265111
2015-08-19 0.05 0.356125
2015-05-20 0.05 0.327869
2015-02-25 0.05 0.207987
2014-11-19 0.04 0.211977
2014-08-13 0.04 0.267380
2014-05-14 0.04 0.245851
2014-03-12 0.04 0.263158
2013-11-26 0.03 0.293830
2013-08-28 0.03 0.387597
2013-05-29 0.03 0.469484
2013-03-18 0.03 0.513699
2012-12-26 0.03 0.509338
2012-03-22 0.05 0.840336
2011-11-28 0.05 1.128668
2010-03-29 0.05 1.428571
2009-11-25 0.05 1.219512
2009-08-27 0.05 1.234568
2009-05-27 0.05 1.052632
Additional Data
exDividendDate 2026-01-02
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.75
lastDividendDate 2026-01-02
dividendDate 2026-01-09

Info Dump

Attribute Value
52 Week Change 0.038104057
Address1 570 Carillon Parkway
Address2 Suite 100
All Time High 28.43
All Time Low 0.29
Ask 14.29
Ask Size 2
Audit Risk 9
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 271,780
Average Daily Volume3 Month 285,145
Average Volume 285,145
Average Volume10Days 271,780
Beta -0.521
Bid 8.0
Bid Size 2
Board Risk 5
Book Value 6.948
City Saint Petersburg
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 11.11
Current Ratio 1.068
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 11.17
Day Low 11.11
Debt To Equity 45.979
Display Name American Coastal Insurance
Dividend Date 1,767,916,800
Earnings Call Timestamp End 1,778,014,800
Earnings Call Timestamp Start 1,778,014,800
Earnings Growth -0.099
Earnings Quarterly Growth -0.098
Earnings Timestamp 1,778,011,200
Earnings Timestamp End 1,785,960,000
Earnings Timestamp Start 1,785,960,000
Ebitda 153,542,000
Ebitda Margins 0.45907003
Enterprise To Ebitda 3.575
Enterprise To Revenue 1.641
Enterprise Value 548,859,712
Eps Current Year 0.96
Eps Forward 1.015
Eps Trailing Twelve Months 2.14
Esg Populated 0
Ex Dividend Date 1,767,312,000
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 10.8344
Fifty Day Average Change 0.27559948
Fifty Day Average Change Percent 0.025437446
Fifty Two Week Change Percent 3.8104057
Fifty Two Week High 13.06
Fifty Two Week High Change -1.9500008
Fifty Two Week High Change Percent -0.14931093
Fifty Two Week Low 9.8
Fifty Two Week Low Change 1.3099995
Fifty Two Week Low Change Percent 0.13367341
Fifty Two Week Range 9.8 - 13.06
Financial Currency USD
First Trade Date Milliseconds 1,194,445,800,000
Five Year Avg Dividend Yield 5.5
Float Shares 23,919,971
Forward Eps 1.015
Forward P E 10.945812
Free Cashflow -18,018,500
Full Exchange Name NasdaqCM
Full Time Employees 65
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.57644004
Gross Profits 192,796,000
Has Pre Post Market Data 1
Held Percent Insiders 0.49482
Held Percent Institutions 0.37201
Implied Shares Outstanding 48,464,047
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,767,312,000
Last Dividend Value 0.75
Last Fiscal Year End 1,767,139,200
Long Business Summary American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
Long Name American Coastal Insurance Corporation
Market us_market
Market Cap 538,435,584
Market State REGULAR
Max Age 86,400
Message Board Id finmb_36852377
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-14
Net Income To Common 106,338,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 541,828,045
Number Of Analyst Opinions 1
Open 11.17
Operating Cashflow 38,846,000
Operating Margins 0.39151
Overall Risk 3
Payout Ratio 0.0
Peg Ratio 3.51
Phone 727 633 0851
Prev Name United Insurance Holdings Corp.
Previous Close 11.17
Price Eps Current Year 11.572917
Price Hint 2
Price To Book 1.5990213
Price To Sales Trailing12 Months 1.6098607
Profit Margins 0.31317
Quick Ratio 0.423
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change -0.06000042
Regular Market Change Percent -0.5371568
Regular Market Day High 11.17
Regular Market Day Low 11.11
Regular Market Day Range 11.11 - 11.17
Regular Market Open 11.17
Regular Market Previous Close 11.17
Regular Market Price 11.11
Regular Market Time 1,784,036,421
Regular Market Volume 1,541
Return On Assets 0.085880004
Return On Equity 0.35889998
Revenue Growth -0.014
Revenue Per Share 6.885
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 48,464,047
Shares Percent Shares Out 0.023
Shares Short 1,112,670
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,170,029
Short Name American Coastal Insurance Corp
Short Percent Of Float 0.045100003
Short Ratio 3.02
Source Interval 15
State FL
Symbol ACIC
Target High Price 14.0
Target Low Price 14.0
Target Mean Price 14.0
Target Median Price 14.0
Total Cash 138,250,000
Total Cash Per Share 2.889
Total Debt 152,512,992
Total Revenue 334,460,992
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 2.14
Trailing P E 5.1915884
Trailing Peg Ratio 3.5094
Triggerable 1
Two Hundred Day Average 11.44945
Two Hundred Day Average Change -0.33944988
Two Hundred Day Average Change Percent -0.029647702
Type Disp Equity
Volume 1,541
Website https://www.amcoastal.com
Zip 33,716